常見問題

被保險人於保險契約有效期間內，遭受保險契約約定之意外傷害事故時，要保人、被保險人或受益人應於知悉意外事故發生後十日內將事故狀況及被保險人的傷害程度，通知保險公司。並於通知後儘速準備所需文件，向保險公司申請給付保險金。

保險公司應於收齊文件後十五日內支付保險金。逾期應按年利一分加計利息給付。如逾期支付賠款之原因可歸責於被保險人或受益人者，保險公司得不負擔利息。

When the insured suffers an accidental injury during the valid period of the insurance contract, the policyholder, insured, or beneficiary must notify the insurance company of the accident circumstances and extent of injury within 10 days of becoming aware of the incident. Required documents should be prepared and submitted promptly afterward.

The insurance company must pay the claim within 15 days of receiving complete documentation. Late payments will incur 1% annual interest. If the delay is attributable to the insured or beneficiary, the insurance company may not be liable for interest payments.

須請航空公司開立班機延誤憑證，保留因班機延誤期間餐飲、住宿費用單據正本，信用卡保險實支實付最高可理賠金額為保險限額。

一般信用卡提供卡友的旅行平安保險不包含旅遊全程，僅限於搭乘使用信用卡支付的公共運輸工具期間發生的意外。但因每家信用卡對各卡別提供的卡友福利都不相同，建議您可至各發卡行的網頁查詢您所持信用卡的保險內容。

Generally, travel insurance provided by credit card does not cover the entire trip, only accidents during public transportation paid with the credit card. Benefits vary by card issuer and type, so please check your card issuer's website for specific coverage details.

算，狗狗視為財物損害。

Yes, dogs are considered property damage.

請使用行動電話或是電子郵件接收驗證碼，進行登入修改。

若無法收到驗證碼時，請來信或於服務時間來電，由客服人員線上為您確認身分後協助。

網路投保服務信箱：ec@msig-mingtai.com.tw。

網路投保服務專線：0800-069-889。

Please use mobile phone or email to receive verification code for login and modification.
If you cannot receive the verification code, please email or call during service hours, and customer service will assist you after identity verification.
Online insurance service email: ec@msig-mingtai.com.tw.
Online insurance service hotline: 0800-069-889.

不行，旅程更改保險啟動須同時符合以下條件方可理賠
1.被保險人須於海外旅行期間
2.發生條款約定承保事故
被保險人還在中華民國境內，不符合「旅程更改」之理賠條件。

No, Trip Modification coverage requires two simultaneous conditions:
1. The insured must be during overseas travel
2. The incident must be covered by policy terms.
Being within ROC territory does not meet Trip Modification claim conditions.

被保險人於其保險期間內因保險契約條款所約定之意外傷害事故失蹤者，於戶籍資料所載失蹤之日起滿一年仍未尋獲時，或要保人、受益人能提出證明文件足以認為該被保險人極可能因發生保險契約所約定之意外傷害事故而死亡者，保險公司將依保險契約之約定給付身故保險金。 但如日後發現該被保險人生還時，受益人應將已領取之身故保險金歸還保險公司。

If the insured person goes missing due to an accident covered by the insurance policy and remains unfound for one year from the date of disappearance as recorded in household registration, or if the policyholder or beneficiary can provide evidence suggesting the insured likely died from a covered accident, the insurance company will pay death benefits as specified in the policy.
However, if the insured person is later found alive, the beneficiary must return the death benefits to the insurance company.

明年承保狀況需視新一年度合約而定，建議可洽詢您的信用卡公司，明年是否仍提供此項福利。

Next year's coverage depends on the new annual contract. Please consult your credit card company about continued benefits for next year.